Darul Iftaa Mahmudiyyah

Does the following situation constitute Riba?

· 18 Shawwal 1437 AH1 min readFatwa 35491English

Question

Hazrat Mufti Sahab, I seem to remember the following mas'ala but I'm not sure if I remember it correctly and I also don't remember the source. Could you kindly confirm whether my understanding is correct or not?

A urgently needs $30. A has $50 dollar note but he needs $30 in $10 denomination. He asks B for $50 in $10 denomination. B says he only has $30 in $10 denomination. A says to B "OK you give me the $30 and take the $50 note from me, and pay me $20 later".

If I remember correctly the above scenario constitutes some form of Riba (interest). I seem to remember that the correct way of doing this transition is that A should not give the $50 to B at this point. A should give $30 back to B at a later point.

Please help to confirm if my understanding is correct.

Jazakallah for your time and effort.

Answer

In the Name of Allah, the Most Gracious, the Most Merciful.

As-salāmu ‘alaykum wa-rahmatullāhi wa-barakā

A and B are not conducting a purchase and sale transaction. A simply wanted $ 30 in denominations of $10. A gave to B the $50 note to pay the $30. B now owes $20 to A. The $20 by B is trust. [1]

And Allah Ta’āla Knows Best

Jibran Kadarkhan

Student Darul Iftaa
Mauritius

Checked and Approved by,
Mufti Ebrahim Desai.

References (Arabic / Urdu sources)

و شرعا فضل خال عن عوض بمعيار شرعى لاحد المتعاقدين فى المعاوضة(الدر المختار:5/168)

و اما الذى يرجع الى المقرض، فهو اهلية للتبرع ،فلا يملكه من لا يملك التبرع من الاب والوصى والصبى...لان القرض للمال تبرع، الا ترى انه يقابله عوض للحال.فكان تبرعا للحال، فلا يجوز الا ممن يجوز منه لتبرع،

ومنها ان يكون مما مثل له، كالمكيلات و الموزونات، و العدديات المتقاربة،فلا يجوز قرض ما لا مثل له.(بدائع الصنائع:

وعن جابر رضى الله عنه قال لعن رسول الله صلى الله عليه وسلم اكل الربوا و موكله وكاتبه وشاهديه (رواه مسلم،12 مشكواة ص 244)

وعلمتة اى علة تحريم الزيادة القدر المعهود بكيل او وزن مع الحسن فان وجد احرم الفضل والنساء وان عدما حلال (تنوير،2/276)

فلو تجانسا شرط التماثل والتقابص وان اختلفال جودة و الصياغة يعني اذا بيع جنس الاثمان بجنسه كالذهب بالذهب او الفضة بالفضة يشترط فيه التساوى قبل الافتراق ولا يجوز التفاضل فيه ، وان اختلفا جودة و الصياغة قال عمر رضى الله عنه الذهب بالذهب مثل بمثل والرق بالرق مثل بمثل ال ان قال ... زيلعى بحذف، 2/135)

Answered by
Jibran Kadarkhan
Checked & approved by
Mufti Ebrahim Desai
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Source: Darul Iftaa Mahmudiyyah — https://askimam.org/public/question_detail/35491
Fatawa SA: https://fatawa.co.za/fatwa/askimam-35491

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